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Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

6 Month Gardening Party!

Well, I was in the garden indefinitely and had just hit 6 months in mid-March, when I got a wild hair up my tail and tried for a mortgage preapproval.  I was approved, but the house offer fell through as well as a probable new job offer, so I decided to apply the brakes and hold off indefinitely on any house purchase.

 

This made me think about what I could do to increase existing CLs (I was OK with a HP) so the inquiries could all age off at the same time; it wouldn't have happened without gardening.  So, here are my results:

 

BoA Travel Rewards         $7200 > $12000

CSP                                  $7500 > $12500

Discover It                         $4500 > $10000

PenFed Visa (new)           $13000 CL

PenFed Auto Approval     $15000 @ 1.74% (same inquiry - buying a second car for my work commute)

USAA Mastercard             $12000 > $20000

 

Overall, a very successful week.  Thanks to all of you on the forum for the knowledge, insight, and support.

 

I'll be hanging out in the garden for the forseeable future... :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: 6 Month Gardening Party!

Congratulations on your great increases and your new PenFed approvals!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Senior Contributor
jsucool76
Posts: 3,662
Registered: ‎12-11-2011
0

Re: 6 Month Gardening Party!

Congrats!

#JealousOfYourLimits
>
Community Leader
Senior Contributor
myjourney
Posts: 26,642
Registered: ‎02-07-2013
0

Re: 6 Month Gardening Party!

My what a difference a day makes Lol

A big congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: 6 Month Gardening Party!


myjourney wrote:

My what a difference a day makes Lol

A big congrats 


You're right.  I did previously post an "I'm done" comment somewhere, didn't I?  :smileytongue:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Community Leader
Senior Contributor
myjourney
Posts: 26,642
Registered: ‎02-07-2013
0

Re: 6 Month Gardening Party!

Lol forgiven

Bring the new and the CLI's and come on home/garden:smileywink:

First ones on me 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Moderator
09Lexie
Posts: 26,236
Registered: ‎09-13-2012
0

Re: 6 Month Gardening Party!

Nice CL's and congrats on the PenFed approvals!

See ya in the garden!
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: 6 Month Gardening Party!

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: 6 Month Gardening Party!

Thanks, all.  It's been a crazy (but very rewarding) week.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: 6 Month Gardening Party!

Very nice increases!!!

CONGRATS!!!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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